This plan was designed to Jump Start you into action, so that you can regain control of your out-of-pocket cash flow, structure the charges and payments you make to your credit cards, and get out from under that terrific debt burden. I certainly hope you follow the plan closely, so that it can do just that. But once you get into the swing of it and monitor your steady progress each month, I'm sure that you will devise ways to get it going even faster! You'll notice that I didn't bug you about drastically cutting down your overall spending. I realize that you might not have been ready to make the sacrifice. But any cutting back you do in your overall spending will certainly be for your own benefit now and in the future. Again, the choice is always yours. As I stated earlier, the other authors were certainly on to something! So at some point, perhaps when my Jump Start Plan has helped you to feel like you've gotten your head above water, you may want to look closer and explore many of the great ideas they have. Wishing you all the very best of luck! Your friend, Bob Donnelly

Author: Bob Donnelly
Paperback:  52 pages
Company: Authorhouse  (2007-01-29)
ISBN: 1425983073
List Price: $11.49
Amazon Price: $7.00
Used Price: $10.98

Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is possible to save thousands of dollars!

Author: Scott Bilker
Paperback:  140 pages
Company: Press One Pub.  (1996-02)
ISBN: 0964840197
List Price: $19.95
Amazon Price: $10.34
Used Price: $0.74

Author: Stanley G. Hilton
Paperback:  224 pages
Company: Adams Media  (2003-12-01)
ISBN: 158062944X
List Price: $10.95
Amazon Price: $2.74
Used Price: $2.75

Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!

It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect.

Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.:)

In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!

Author: Scott Bilker
Paperback:  320 pages
Company: Press One Pub.  (2003-03-01)
ISBN: 0964840154
List Price: $19.95
Amazon Price: $19.95
Used Price: $14.98

This book is intended to help those who have overextended themselves financially, and seek relief. The book contains numerous letters ready to use, and advice that can be used to resolve many credit/debt problems we all face in todays economy. "Tate Publishing & Enterprises" "The information provided in your book is unique in that most people are not aware of the law, their rights and the opportunities they have to protect themselves and their assets. I found the sample letters to be very helpful. Your book is amazing! I personally had no idea about most of the information you provided. I am sure I am not alone. It is with great pleasure that we welcome you as one of the 4% chosen out of tens of thousands each year to become a published author with us!! Congratulations!!" "Donna Chumley, Acquisitions"

Author: Michael W. Newman
Paperback:  222 pages
Company: CreateSpace  (2007-11-26) (2007-11-26)
ISBN: 1434812715
List Price: $12.99
Amazon Price: $12.99

Leave Home Without It...

Membership has its privileges, but it also has a huge share of disadvantages. Without the proper know-how and guidance, you could find yourself buried beneath an avalanche of credit card debt. Millions of Americans are just like you and are currently attempting to pay off $450 billion to credit card companies. It's in a credit card company's best interest to keep you in debt-after all that's how they make their real money. Even by following their rules, you can quickly be put at a disadvantage. It seems as if there is no light at the end of the tunnel- that is, until now.

And All That Goes With It

Whether you are overwhelmed by credit card debt or trying to prevent it altogether, Credit Card Debt has the answers. The author's basic three-step program provides the information you need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep your credit report clean. Uniquely designed to help you organize, analyze and reduce your debt, this book helps you understand how credit card companies make their money, how credit cards work, and how to use them responsibly.

Author: Alexander Daskaloff
Mass Market Paperback:  224 pages
Company: Avon  (1999-04-06) (1999-04-06)
ISBN: 0380807009
List Price: $6.99
Amazon Price: $4.17
Used Price: $4.17

You can start eliminating debt...TODAY! Finally, debt laden, cash strapped men and women have an entertaining, easy to read and follow tool that will guide them step by step through the process of: Identifying the common contributors to debt, Addressing actual spending patterns, Creating a workable plan for reducing debt Providing motivation to stay on track until the debt is gone. IOU NO MORE even includes a plan for building long term wealth, and suggestions that will help anyone maintain a debt free lifestyle forever. Originally from Kentucky, Sam Burton's adventures have taken him pretty much around the world. He is currently the Vice President of Sales for a leading line of Tax Preparation and Accounting software. He travels widely and is a much sought after Seminar and After Dinner speaker. Sam lives in the Northeast corner of Maine with his wife, Brittan, and a raucous team of sled dogs.

Author: Sam Burton
Paperback:  108 pages
Company: Xulon Press  (2007-04-27)
ISBN: 1602664900
List Price: $10.99
Amazon Price: $5.90
Used Price: $6.45

This is not a book about how to become a millionaire in a minute. This is a book about money trouble. A book about people just like you and me who find themselves at the end of their financial rope. In particular this is a book about trouble with credit cards and how to get out of that trouble without bankruptcy. From budget help in Chapter 3, to how to talk to your Creditor in Chapters 5 and 8, to a discussion of Dollars and Damage and the Time it takes to become "Debt free" in Chapter 10, you can take control and start solving your credit card trouble right now. "Forever in Your Debt" presents the facts, resources and personal stories that hold the keys to "Escaping Credit Card Hell". There is no need to pay for costly services or file bankruptcy; you can talk to creditors and get their help. The nation's leading expert in Responsible Debt Relief provides all the help you need.

Author: Harvey Z. Warren
Paperback:  206 pages
Company: BookSurge Publishing  (2007-08-21) (2007-08-21)
ISBN: 1419670581
List Price: $14.95
Amazon Price: $14.95
Used Price: $14.20

The most demanded information from DebtSmart®! How to stop the banks from taking advantage of you, get the best lending deals, get financially organized, pick the right mortgage, make more money, finance your next car, personal stories, Q&A, and much more! Scott Bilker, author of "How to be more Credit Card and Debt Smart," is also the creator of DebtSmart.com and the author of the best-selling book, "Credit Card and Debt Management."

Author: Scott Bilker
Paperback:  64 pages
Company: Press One Pub.  (2002-07)
ISBN: 0964840138
List Price: $9.95
Amazon Price: $9.25
Used Price: $5.99

Written by a former debt collector, this credit repair book covers many aspects of credit restoration, including how to legally remove any adverse credit from a consumer credit report, how to negotiate debt, how to prevent and recover from identity theft, the secrets to raising a credit score, and more. Remove judgments, liens, late payments, bankruptcies, collection accounts, inquiries, charge-offs, repossessions, and foreclosures. Learn how to negotiate like a pro, reducing credit card and other unsecured debt to a fraction of what you owe!

Author: Dana Neal
Paperback:  437 pages
Company: Paladin Press  (2006-04)
ISBN: 1581605013
List Price: $25.00
Amazon Price: $16.42
Used Price: $17.21